This is already going on in banking.

But there is a difference between how a real loan officer will speak to you and how someone trying to pretend to be a loan officer will speak to you.FEES YOU CAN EXPECTAppraisal - this is not on the bank and it does not belong to the bank. 

The workshop shows how SDIRA owners can earn double-digit returns by owning real estate as a bank. 

"What Is The Biggest Risk For 2025" And 13 Other Highlights From DB's 2025 Market Survey"The Deutche Bank 2025 global financial market survey had 471 responses from around the world, and was conducted between the 10th and 13th of December 2024.

When there is a sum of money in the bank, I’d rather buy another property than pay for fire damage, and I’m happier with the insurance coverage.  

Or are you actually talking to a bank about buying the note so you can see the notes and credit on the owner of the property?

Many banks limit personal loan amounts.

Since the buyer is not able to get bank financing, you are charging a few % points higher.So your $289k house might sell for 320k at 9.9% for 30 years.

I think the borrower is better off trying a local bank or broker in that area.

If they're working with a bank/CU, then it's even less.